The Refund Isn't a Reward | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 25) - video Dailymotion

Lerin Gaines

The Refund Isn't a Reward | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 25)   Featuring: Wine Down Wednesday, Mentorship Series   Wednesday | April 15, 2026   Streaming LIVE on all social media platforms @LERINGAINES   https://leringaines.com  https://linktr.ee/leringaines  https://www.facebook.com/leringaines  http://instagram.com/leringaines  https://www.tiktok.com/@leringaines  http://twitter.com/leringaines  https://www.youtube.com/@leringaines  https://www.twitch.tv/leringaines  https://kick.com/leringaines  https://dailymotion.com/LerinGaines   Song of The Day: "We Got Some Catchin' Up To Do" by Jean Carne  Released 1981 | Sweet and Wonderful   Burning Questions for Reflections!  When money shows up unexpectedly, do you assign it a purpose, or do you let your emotions decide?   Share your response to tonight's Burning Questions...  Text: (609) 200-1098 | Email: Info@LerinGaines.com   DM on any social media platform @LERINGAINES (Facebook, Instagram, X, TikTok, YouTube, KICK, Twitch, DailyMotion)   Sign up for my FREE Monthly Newsletter 'Whispers of Wisdom' for updates, exclusives, and inspiration!   Subscribe now at LerinGaines.com   #Facebook #Instagram #TikTok #X #YouTube #DLIVE #Twitch #DailyMotion #DebtFreeLiving #FinancialCoach #LerinGaines #411Podcast #RBTW #ReadingBetweenTheWines #BurningQuestions #BlackDiamondConsultations #VacationWithMe #WhispersofWisdom #DISC6 #Vitality   DISCLAIMER: The content and information provided by Black Diamond Consultations are intended solely for educational and entertainment purposes. We do not guarantee the accuracy or completeness of the materials, and any reliance you place on them is strictly at your own risk. Our content is not intended to be a substitute for professional advice or judgment. Black Diamond Consultations shall not be liable for any errors or omissions in the educational and entertainment content or for any actions taken based on the information provided.   411 Podcast🍾Reading Between The Wines  DISC 6: Vitality  Track 25: The Refund Isn't a Reward  ©️ 2026 Black Diamond Consultations Network  LerinGaines.com

Transcript

00:00I'm going to go to the next video.

03:43And now, here's your guide through it all.

03:46Entrepreneur, mentor, and financial coach, Laren Gaines.

04:03What's going on, welcome, welcome, welcome, welcome on in to another episode of Reading

04:13Between the Wines.

05:11But I just want to say,

05:13episode because let me tell you uh uh sometimes it's uh interesting and um definitely have been

05:21on a journey lately and uh we're gonna talk a little bit about it tonight but yeah most certainly

05:27cannot do it without the most high for just giving me the everything just giving me everything to

05:33continue to keep pressing forward because it's so easy to throw in the towel it's so easy to say

05:40we're just not gonna do this no more it is so easy to just take the shortcuts out of this

05:45whole

05:46situation but i'm here i made a commitment and this is my purpose and that's what we're here to do

05:55so let's get right on into this go ahead and start this thing off with the song of the day

06:13okay so you know how we do it here we remix it so i'm taking it back to 1981 i

06:19was

06:20one years old at that moment and didn't even have this song or nothing about us but

06:27jean karn and she has a song called uh we got some catching up to do so it's been a

06:35minute since i've

06:36been out here speaking on a four-on-one podcast reading between the wine so we do have some

06:41catching up to do and we have some catching up to do because i'm not quite sure if you understand

06:48the person that you have next to you the person that is just so close to you that you tell

06:57everything

06:58you go back and forth we got some catching up to do because

07:06not everybody out there means you well let me say that again not everybody out there

07:16so you got to be very careful because it's always the person that is just so closest to you

07:22that sneaks up behind and sticks the knife right through you

07:28so we got some catching up to do because that friend that claims to be that friend

07:37you got to watch are you prepared

07:42for what might happen are you prepared

07:47for what's waiting for you around the corner see no weapon formed against me shall prosper

07:55evil doers never prosper and although people might think that they're getting the best of you

08:03people might think that they're gonna go ahead and do you in they might think remember no weapon

08:12formed against you shall prosper and as long as you are staying faithful and true

08:20and to the one that knows you best you don't have to worry see a lot of people

08:25especially nowadays they're suffering from the spirit of covetedness where they just want

08:33what somebody else has and i've always spoke about this prior

08:39the pussycat dolls they have a song called well it's not the song but in the lyrics

08:45they basically say be careful what you wish for because you just might get it

08:49see sometimes when you want what somebody else has so much

08:53that you will go to any lengths to go ahead and try to

08:58manipulate

09:01practice your sorcery

09:02practice your witchcraft whatever it might be to try to get

09:06or overpower what somebody else has be careful what you wish for because you just might get it

09:13but on the other side

09:15sometimes we have to back up and say you know what i'm gonna let you rock with that

09:19i'm gonna let you have that because i do know that no weapon forming against me shall prosper on what

09:24you thought and what you meant

09:27for evil

09:28god meant for good so i'm gonna just go ahead and let you think

09:33i'm gonna let you rock and i'm gonna let you roll and i'm gonna let you do whatever you need

09:36to do

09:36to think that you go ahead and have an upper hand

09:39but see there's something that's called hell on earth and sometimes the things that we wish and we want

09:43and we try to go after and we try to

09:46we end up getting exactly what we want be careful what you wish for because you just might get it

09:50and it ends up being hell on earth

09:52sleepless nights

09:54tossing and turning and asking yourself well what did i get myself into

09:58be careful what you wish for because you just might get it and the person that's just so close to

10:04you

10:05remember when i said

10:07some people

10:09they don't mean you well

10:11this is why you have to take care of yourself

10:13this is why you have to make sure you feed yourself

10:15this is why you gotta make sure that you uplift yourself

10:17so that you can be able to

10:19have a great level of discernment

10:21and be able to see the snakes

10:22keep the grass

10:25cut short

10:26because it's real out there

10:28but see when we rip and we run and we don't take care of ourselves and we don't

10:32rejuvenate ourselves

10:33we don't rest up properly

10:35we don't take time for self

10:37everything starts with self

10:38we become

10:40weak

10:41we become open

10:42we become vulnerable to the attacks of the enemy

10:46like i said earlier

10:47we got some catching up to do

10:49because you may not see the things that i can see

10:52we got some catching up to do my friend

10:55listen

10:56at the end of the day

10:57please make sure that you are pouring into yourself before you pour into others

11:00we have some people running around here doing backflips for others and

11:05trying to be people pleasers and everything else

11:08for somebody else before you end up doing it for yourself

11:11and that person that you ripping and running and doing crazy things for

11:14remember they are the same people

11:17as lil kim say in backstabbers

11:20will smile on your face

11:22all the time they want to take your place

11:24and they will do and say anything

11:26to get over on you

11:29song of the day

11:29we got some catching up to do

11:321981

11:33off of gene karn's album

11:35sweet and wonderful

11:38we still got some catching up to do

11:40so

11:42this is wine down wednesday

11:43but we're going to turn this into wisdom wednesday

11:45i got me some house wine here

11:47but i'm really not showcasing any wine

11:49tonight

11:50we'll go ahead and save that and table that for

11:53another episode

11:54but i definitely want to say

11:56if you out there you got your glass

11:57thank you

11:59so much

12:00tuning in to episode of reading between the wines

12:03thank you for rocking with me

12:04we're gonna have a great show tonight

12:06i'm gonna catch up

12:07we got some catching up to do

12:09i'm gonna catch up with bird man

12:10i'm gonna catch up with all y'all

12:11and i just want to say

12:12thank you all so much for coming in one more time

12:14and um it feels so great to

12:17be out here doing this

12:19so cheers

12:20to another episode

12:21and um

12:22thank you i appreciate you

12:28so now

12:30it's like so many things happen

12:31since we've been away for a couple weeks

12:34major announcement

12:36d live

12:38has shut down

12:41it happened overnight

12:43immediately d live has shut down

12:46so in that transaction

12:48the 4-1-1 podcast

12:50we lost

12:51a lot of subscribers

12:53overnight

12:55out of nowhere

12:56we were gaining some traction on d live

13:00but

13:01i'm not quite sure what happened

13:02just like

13:04you know anything

13:06businesses closed

13:07decisions make

13:08and high places

13:10and it is what it is

13:11so

13:11we are no longer on d live

13:14and we lost

13:15about

13:16four to five hundred

13:18subscribers there

13:20so

13:21yeah

13:21i don't even know what happened there

13:23but

13:25d live is gone

13:27i had some great people out there

13:29that i connected with

13:29i know that there was

13:31sinny out there

13:32from las vegas

13:33and

13:33unfortunately

13:35some of these people

13:36if they don't follow on other platforms

13:38then

13:39they will miss

13:40you know

13:41anything new

13:42um

13:43so

13:44that's just the downside about it

13:45but

13:45on a broader note

13:47you all can help me out

13:49because we are

13:49officially on

13:51kick now

13:53that's

13:53k-i-c-k

13:55kick

13:55dot com

13:57slash

13:57laryngaine

13:58so

13:58if you're out there

13:59listening

14:00do me a favor

14:00head on over to kick

14:02and

14:02give me a subscribe

14:04you can also

14:05you know

14:06chat

14:07and say

14:07hey i'm from here

14:08i came from instagram

14:10i came from

14:11facebook

14:12i'm just you know

14:13following you

14:14and showing some support

14:16you can do that on kick

14:17this will be our first episode

14:20on kick

14:20so

14:21um

14:21yeah just go ahead and support

14:25that as

14:26on expect

14:27we are on facebook

14:29we're on instagram

14:30x

14:32we are on youtube

14:34of course

14:35um

14:37kick now

14:39daily motion

14:41twitch

14:42so

14:43we still have our

14:44major platforms

14:45but again

14:46sometimes these platforms

14:48go out like

14:48x was down

14:49for like a month

14:50for some reason

14:51they just had some

14:52technical difficulties

14:53so the show wasn't

14:54broadcasting on x

14:56i don't know what that was about

14:57but now

14:58we're back on x

14:59so sometimes these platforms

15:01can fail

15:02so

15:02the best thing to do

15:03is just head on over

15:04to laryngaines.com

15:06click on podcast

15:07link

15:08and you can see exactly

15:10where it's streaming

15:10it's also on spotify

15:12deezer

15:12iheart radio

15:14um

15:14amazon music

15:17uh

15:17so many different places

15:18wherever you

15:19you know

15:19listen to your

15:20major podcast

15:21you should be able

15:22to find

15:22four-on-one podcast

15:23reading between the wines

15:24and if it's not available

15:26just reach out to me

15:27send me a dm

15:28send me a text message

15:30609-200-1098

15:32and um

15:33i will

15:34attempt to

15:35get it

15:36on whatever platform

15:37you don't see it on

15:39so

15:39yeah unfortunately

15:40we uh

15:41will miss our

15:43d live family

15:43but

15:44we're going to

15:45open up doors

15:46for something else

15:47you know

15:47like they say

15:48when one door closes

15:49the next one

15:49just might be open

15:50and that's exactly

15:52what um

15:52we have going on

15:53here so

15:54welcome

15:55everybody

15:56on kick

15:58and um

15:59yeah

16:00we are back

16:02so with

16:03that

16:04being said

16:05let's go ahead

16:06and bring in

16:07my friend

16:08author

16:08slash

16:10poet

16:12birdman

16:12313

16:23what's going on

16:24what's going on

16:25hey how's it

16:27going

16:27it's going

16:28it's going

16:29yeah

16:31tell me about

16:32it man

16:33we've had

16:34it's been

16:35it's been

16:36ups and downs

16:37here but

16:37you know

16:38hey it's cool

16:39that's life

16:40yeah you know

16:41I've been feeling

16:43that way too

16:43lately

16:44it's been

16:45uh interesting

16:46I'll say

16:47yeah

16:48yeah

16:49a lot of

16:50different things

16:51going on

16:52a lot of

16:52ups and downs

16:53like you said

16:54but

16:54that's part

16:55of life

16:55and I was

16:56listening to

16:57some music

16:57today

16:57and I was

16:58listening to

17:00maze

17:02I guess

17:03it's maze

17:03or Frankie

17:04Beverly

17:04featuring maze

17:05I don't know

17:06why they

17:06switched that

17:06around

17:07just like

17:07Rufus

17:08and Chaka

17:08Con

17:08then all

17:09of a sudden

17:09it's Rufus

17:10featuring Chaka

17:11Con

17:11but you know

17:12what I'm

17:12talking about

17:13I was going

17:16to make the

17:16song of the

17:16day joy

17:17and pain

17:17because that's

17:19just what

17:19life is about

17:20sometimes you

17:21experience great

17:22levels of joy

17:23and sometimes

17:23you experience

17:24levels of pain

17:25so joy and

17:26pain like the

17:27sunshine and

17:27the rain

17:28like it is

17:28what it is

17:29right

17:30oh yeah

17:32yeah

17:32that's that's

17:33what I was

17:33feeling

17:34for the past

17:35I guess for

17:36the past

17:37week just

17:37like deep

17:39thought

17:39deep thought

17:40I'm in

17:40deep thought

17:41I got a lot

17:41of decisions

17:42to make

17:43I got a lot

17:43of things

17:44to do

17:44and it's

17:46like one

17:47upset happens

17:48but then

17:49another door

17:49opens and

17:50then when you

17:50start to gain

17:51some momentum

17:52something else

17:53happens and

17:54it's just like

17:56but in any

17:57case

17:57hey don't

17:58feel bad

17:59man I

18:00had to go

18:01end up going

18:02to get a

18:02brand new

18:03phone

18:03and Diana

18:05had to end

18:06up getting

18:08a brand new

18:09phone man

18:09mine's locked

18:10up on me

18:11I couldn't

18:12get in it

18:13went to one

18:14store and

18:16they didn't want

18:16to be bothered

18:17went to another

18:19store they got

18:20me online and

18:21I had I had

18:22to locate all

18:23my passwords

18:25and then finally

18:26man when I got

18:27some of the

18:28things back

18:29it was like

18:30everything was

18:31doubled and

18:33I'm like oh

18:33man this is

18:34crazy so

18:35then some

18:37of the times

18:37I couldn't

18:38even do

18:38anything with

18:39the phone so

18:40I went got

18:40a new one

18:41and so then

18:43I get a new

18:44one and then

18:45two days later

18:46Diana's phone

18:48just shut

18:48completely down

18:52so we went

18:53yesterday to

18:54try to get

18:54her phone

18:55we get at

18:56the store

18:57they have

18:58their power

18:59their internet

19:00is down

19:01so we had

19:02to wait

19:02to the

19:02day to

19:03get it

19:03and she's

19:05sitting over

19:05there now

19:06man we

19:07finally

19:08oh man I'm

19:09so glad

19:10because she

19:10happy now

19:13she finally

19:14got her

19:14phone up

19:17and

19:18dude man

19:19I'm so glad

19:20she's sitting

19:20over there

19:20now trying

19:21to get

19:24passwords

19:25all that

19:26that she

19:27didn't get

19:27and I'm

19:28like this

19:29is it's

19:29just been

19:30a wild

19:31day

19:32but last

19:33weekend we

19:34went to

19:34Galveston

19:35we had a

19:35great time

19:36met some

19:37friends

19:37matter of fact

19:38a friend

19:38from New

19:38Jersey

19:40okay

19:41Hasselback

19:41from Hassel

19:42yeah I never

19:43heard of that

19:44before oh you

19:44know you're

19:45talking about

19:45Hackensack

19:47Hackensack

19:47yeah yeah

19:48Hackensack

19:48hey man you

19:49know it's been

19:50a rough time

19:52and then this

19:53publisher man

19:55man I

19:56I've been

19:57trying to get

19:57my book

19:58published

19:59man I

20:00had to

20:02oh man it's

20:03just been a

20:04while I'm

20:04still it's

20:05still the

20:05e-book is

20:06up okay

20:07not the

20:08paperback is

20:08up so

20:10because of

20:11the cover

20:11and then he

20:12claimed he

20:13done did the

20:13cover or

20:14three four

20:15times man

20:16and I'm like

20:17I won't go

20:18back to y'all

20:19man because

20:19you can't

20:19get the

20:20cover right

20:21no that's

20:22crazy but

20:24Kendall Kendall

20:25is funny about

20:26that man with

20:27their covers

20:28man with the

20:28covers yeah

20:29yeah yeah

20:30so hopefully

20:34by next week

20:36this time when

20:37I'm talking to

20:37you I can say

20:38hey my book

20:39is up and

20:39ready no

20:41that's what's

20:41up that's

20:42what's up

20:42well congratulations

20:43on that what

20:44book number is

20:45this going to

20:46be for you

20:4815 wow

20:49wow congratulations

20:50on that

20:51yeah

20:58that's what's

20:58up that

20:59that's a big

21:00milestone 15

21:0215 that's

21:03that's a great

21:03number to be

21:04at I'm gonna

21:05look back when

21:06I'm I'm I'm

21:07here for 15

21:08years

21:12yeah be like

21:13yeah that's

21:14what's up

21:14yeah if you

21:16had to ask a

21:16man if you

21:17had to ask me

21:18this 10 years

21:19ago um no I

21:21take that back if

21:22you had to ask me

21:23back in 2005 I

21:28would have told

21:29you I wouldn't

21:29even had one

21:30book I know

21:32that's right

21:32prior to 20 prior to

21:352020 I wouldn't

21:36have been doing

21:36any of this

21:38yeah yeah so

21:39I was like I

21:40don't know like

21:40what if something

21:41just came up in

21:422020 and it

21:43just started

21:44changing I just

21:46felt something in

21:47my spirit that

21:47said you have to

21:48do something for

21:49you finally you

21:50got to do

21:51something different

21:52and here we are

21:53six years later

21:56but I you know

21:57I I don't want

21:59to carry on too

22:00much because I

22:01know I opened up

22:01the show this

22:02way but sometimes

22:05especially now

22:06that excuse me

22:07especially now

22:08that I have

22:09switched to

22:09doing more

22:11financial literacy

22:12I understand

22:14that we're

22:15not always

22:16liked not

22:17everybody's gonna

22:18like this kind

22:19of conversation

22:20because it's

22:21money and

22:22people get

22:23very emotional

22:24when you speak

22:26about money

22:26and the powers

22:28that be they

22:30don't want you

22:30to speak about

22:31certain things

22:32because it's

22:33freeing and

22:34they'll have less

22:35slaves in the

22:36system so either

22:38way this is not

22:41the most popular

22:42space to be in

22:45so although I

22:47opened up this

22:47door it's easy

22:49to turn around

22:50and say we're

22:50just not gonna

22:50do it it's easy

22:52to turn around

22:52and say I'm not

22:53gonna do it

22:54anymore so

22:55that's where I

22:56say thank you

22:57for giving me

22:58the strength and

22:58courage to continue

22:59to come out here

23:00and do it

23:00because it's

23:01so easy to

23:02say I'm just

23:02not gonna do

23:03it anymore

23:03I'm just

23:04not gonna do

23:05it because

23:06oh yeah

23:06you know what

23:07I mean

23:08yeah yeah

23:11but in any

23:13case guess what

23:15it is 89

23:17degrees here in

23:18New Jersey

23:20wow man

23:21it's hotter

23:22there than it

23:23is here man

23:24it's been

23:25in the 82

23:27to 4 degrees

23:29yesterday

23:3089 degrees

23:32today

23:32I think

23:33today is

23:34the highest

23:34though

23:35we still

23:35gonna linger

23:36around but

23:37it's gonna

23:37dip down

23:38into the

23:3850s

23:39probably about

23:40maybe Sunday

23:41or Monday

23:42yeah

23:43well we've

23:45been we've

23:45been you know

23:46it's like been

23:46like consistency

23:48in the 80s

23:49but we already

23:51know what's

23:52gonna happen

23:52soon

23:53we already

23:55know man

23:55you know

23:56so hey

23:57like I said

23:58enjoy it

23:59while you can

23:59right I'm

24:01ready for it

24:01bring it on

24:02if we if

24:02it's gonna be

24:03any indication

24:04like what this

24:04crazy winner

24:05we have

24:05then bring

24:07it right on

24:07I'm ready

24:08for it

24:11so let me

24:12tell you

24:13before the

24:14show I

24:15was a little

24:16late coming

24:17in but I'm

24:18like turning

24:19things upside

24:20down like

24:21where the hell

24:21is my

24:23money hacks

24:23book I

24:24couldn't find

24:25it I'm

24:25going

24:27something crazy

24:28and then all

24:28of a sudden I

24:29found it so

24:30let's just get

24:31into money

24:32hacks

24:34what number

24:35do you have

24:36for us

24:37tonight

24:40let me see

24:41give me

24:4275

24:4375

24:44that's a good

24:45number 75

24:4675

24:47all right

24:48let's do

24:49this one

24:49here

24:51don't extend

24:52your mortgage

24:52length when

24:53you refinance

24:54I'm so

24:56passionate about

24:57this because

24:59this is

25:00important for

25:00the people

25:01out there

25:01if you

25:02refinance a

25:03mortgage you

25:03should always

25:04aim to have

25:04your new

25:05mortgage match

25:05the remaining

25:06time on your

25:07old mortgage

25:08for instance

25:08let's say you

25:10started with a

25:1030-year mortgage

25:11that you've been

25:11paying off for

25:1210 years

25:13so you have

25:1420 years

25:14left if you

25:15want to

25:16refinance you

25:16should ask

25:17for a 15

25:17or 20-year

25:18mortgage

25:18what you

25:20want to do

25:21is avoiding

25:21refinancing

25:22into another

25:2230-year mortgage

25:23and using

25:24the entire

25:2430 years

25:25to repay

25:25the loan

25:26that means

25:27your total

25:28mortgage term

25:28will be

25:2940 years

25:3010 years

25:30on the first

25:31loan

25:31and 30

25:32years on

25:32a refinance

25:33loan

25:33taking 40

25:35years to

25:35repay the

25:36loan

25:36rather than

25:36the total

25:37of 30

25:37years

25:38means

25:38thousands

25:38of dollars

25:39thousands

25:40of more

25:40dollars

25:41in interest

25:41payments

25:42and I'm

25:43going to

25:43add on

25:44my little

25:44thing

25:44that that's

25:46exactly

25:46what the

25:47powers that

25:47be

25:48I spoke

25:48about it

25:48earlier

25:50that's

25:50exactly

25:51what the

25:51powers that

25:52be

25:52want you

25:52to do

25:52they want

25:53you to

25:53refinance

25:54over and

25:55over again

25:55so that

25:56you don't

25:57pay off

25:58your mortgage

25:59you don't

26:00pay off

26:00your loan

26:01and you

26:02know

26:03we're not

26:04going to

26:04live forever

26:04so if you

26:05keep refinancing

26:06over and

26:07over and

26:07over again

26:08strike one

26:09is that you

26:09don't make

26:10it and the

26:11bank goes

26:11ahead and

26:12buys back

26:12or snatches

26:13back

26:15the property

26:17number two

26:19you run

26:20out of

26:20time

26:20you don't

26:22make it

26:22your children

26:23are ignorant

26:24to the fact

26:25they don't

26:25know what

26:25happens and

26:26they don't

26:26keep up on

26:27everything and

26:28they don't

26:28switch everything

26:28over properly

26:29so the bank

26:30ends up

26:31stealing it

26:31back and

26:32they win

26:32again

26:33this is what

26:34I'm talking

26:34about

26:34so Birdman

26:36313 what

26:37do you think

26:37about that

26:39well I

26:40agree with

26:40that because

26:41that's what

26:41happened

26:43with my

26:44parents

26:44that my

26:45dad bought

26:46a home

26:46I asked

26:47him I

26:47said first

26:48of all why

26:49did you wait

26:50till you get

26:50in your

26:5160s

26:52retired

26:53and you

26:5460 to

26:55buy another

26:56home to

26:57move down

26:57here and

26:58then he

26:58said well

26:59I was waiting

27:00for you to

27:00finish college

27:01I said you

27:02didn't have to

27:03wait for me

27:03because I

27:04told you I

27:04was getting

27:05away from

27:05there anyway

27:06and we

27:08was trying

27:09to get

27:09the home

27:11you know

27:11fixed up

27:15and come

27:16to find out

27:16he had took

27:17out another

27:17mortgage and

27:19of course

27:19you know he

27:20passed away

27:22and then my

27:23mom hey

27:24we got I

27:25got her out

27:25a week before

27:26they changed

27:28the locks on

27:28the door

27:31yeah but

27:32see that's the

27:33game that's

27:33what they want

27:34that's what

27:34they want

27:38so be

27:39careful with

27:40that refinancing

27:40and my

27:43thing for

27:43anybody out

27:44there who

27:44is thinking

27:45of refinancing

27:46there's nothing

27:46wrong with that

27:47if you want

27:47to get a

27:48lower rate

27:49but do

27:49this favor

27:50to yourself

27:51whatever you

27:52were paying

27:52in the beginning

27:53once they

27:54give you that

27:54nice little

27:55bill or

27:56that nice

27:56new loan

27:57or that

27:57nice little

27:58whatever you

27:58want to

27:59call it

27:59it's going

28:00to appear

28:00that you

28:00have to

28:01pay less

28:01but in

28:02reality

28:03the game

28:03you will

28:04win the

28:04game a

28:06lot quicker

28:06is if you

28:07pretend or

28:08act as if

28:10you're paying

28:11the same

28:11amount for

28:12example if

28:13you're paying

28:13$1,500 a

28:15month for

28:15your mortgage

28:16and then you

28:17refinance and

28:18you get it

28:18down to

28:19$1,200 to

28:20maybe $1,100

28:21a month just

28:22continue to

28:23pay $1,500

28:24and apply the

28:25rest to the

28:26principal and

28:26pay that loan

28:27off as quick

28:27as possible

28:30that's what I

28:30have to say

28:31you'll thank

28:32me later

28:38I don't know

28:39why I'm in

28:40such a rare

28:41mode today

28:42but I am

28:44I said we

28:45got a lot of

28:45catching up

28:46to do

28:48yeah

28:50let's get

28:51right on

28:51into our

28:52assignment for

28:53tonight we

28:53are going to

28:54Philly what's

28:55up to the

28:55people out

28:56there in

28:56Philly how

28:57you doing

28:57out there

28:59shout out

29:00to Philly

29:01the neighbor

29:02to New

29:02Jersey

29:02all right

29:03so Mr.

29:04Marcus

29:05he says

29:06oh first

29:07of all

29:07before we

29:08get into

29:08this happy

29:09tax day

29:10for the

29:11people out

29:11there make

29:12sure you

29:12get your

29:12taxes done

29:13because it

29:14needs to be

29:14done today

29:15and if it's

29:16not done

29:16today you

29:17don't run

29:17into some

29:18problems

29:19if you

29:19didn't apply

29:20for an

29:20extension

29:24so Mr.

29:25Marcus from

29:25Philadelphia

29:26says Larry

29:26my tax

29:27refund hit

29:28last week

29:28for a

29:29moment I

29:29felt ahead

29:30like I

29:31could finally

29:31breathe I

29:32told myself I

29:33was going to

29:33use it the

29:36right way this

29:37time pay down

29:38debt maybe

29:39save a portion

29:40do something

29:41responsible that

29:42lasted about

29:43three days I

29:44started with

29:45something small

29:45new clothes

29:46then a night

29:47out then

29:48helping a

29:48friend who

29:49was short

29:49on rent

29:50before I

29:51knew it the

29:51money was

29:51gone now I'm

29:53sitting here

29:53looking at the

29:54same bills

29:54I've had

29:55before the

29:56refund came

29:57same balances

29:58same pressure

29:59just with the

30:00added frustration

30:01of knowing I

30:02had a chance

30:02to move

30:03differently and

30:03I didn't

30:04I don't feel

30:05reckless I feel

30:07disappointed it's

30:08like every time I

30:09get extra money I

30:10treat it like

30:10relief instead of

30:11responsibility like

30:12I'm making up for

30:13everything I have

30:14been holding back

30:15on I want to

30:16break that cycle I

30:17want to feel like

30:18I'm actually moving

30:19forward not just

30:19resetting the same

30:20situation over and

30:21over again how do

30:23you treat extra

30:23money with

30:24intention instead

30:25of emotion Marcus

30:27Birdman what do

30:28you got from

30:29Marcus here

30:30you know what

30:31and you know

30:33that that that

30:33has been the

30:34biggest game for

30:36years you know

30:38people when I

30:40say game is

30:41because when

30:42people get their

30:43taxes they you

30:45know they do

30:45they just oh

30:46this is extra

30:47money I seen

30:49it I've done it

30:50too you go out

30:52and you just

30:53splurge because

30:54you know hey

30:55it's not gonna

30:55last forever

30:56that's for sure

30:58and man I

31:00used to go and

31:01I'm you know I

31:02will pay down

31:03extra you know

31:04a couple months

31:05in advance on my

31:07vehicle or if I

31:08didn't have a

31:09vehicle I would

31:10go get me one

31:11and you know at

31:13tax time everybody

31:14is like oh we

31:16know you got your

31:16taxes back because

31:18we see you with a

31:19new car you

31:22know or new

31:22clothes and but

31:25the only part

31:26that got me was

31:27he said he helped

31:28a friend out with

31:29their rent I

31:30knew you were

31:30going to say

31:31that yeah

31:34not that there

31:35I'm hey you know

31:36what I'm not

31:37helping you out

31:37with your rent

31:40you know and

31:43not even even a

31:44family member I'm

31:45not helping you out

31:46with your rent

31:46because what you

31:47been doing all

31:48all these months

31:49before I got my

31:50taxes what have

31:52you been doing

31:52I know that's

31:53right and but

31:57I kind of feel

31:58where you at on

32:00that it's rare for

32:01me to agree upon

32:03with a lot of

32:03things that some

32:05of these people do

32:06but it's because

32:08like I said I've

32:10been down that

32:10road and as I

32:12got older you

32:14you know I

32:16would I would

32:17always like give

32:18my two sons the

32:20youngest ones I

32:22would always give

32:23them some money

32:24and say hey I'm

32:25mature I say hey

32:26this is how much

32:27you can spend and

32:28take them to the

32:29mall or take

32:31them it's a store

32:32called soup mark

32:33and we would

32:35always go there

32:36and I say hey

32:37man get what

32:38y'all want you

32:38know get you

32:40but when the

32:41money runs out

32:42you ain't getting

32:43nothing else yeah

32:45and uh and and

32:47I would take

32:48them hey man

32:48yeah they'd be

32:49like hey dad

32:50take can we go

32:51get some um

32:52nikes yeah y'all

32:53go get some

32:53nikes because you

32:54know you're not

32:55getting another

32:55pair to next

32:57tax season you

32:59know if I have

32:59to pay for

33:00them because

33:00you know nikes

33:01is expensive

33:02right right

33:03right and uh

33:05I you know I

33:06always tell this

33:06story about my

33:07one son we

33:10would go to

33:10this store and

33:12they'll have

33:13you know like

33:14two for

33:15eighty nine

33:16dollars and

33:18they and they

33:18would say okay

33:19dad you gave

33:20us a hundred

33:20dollars for

33:21the shoes

33:22two for

33:23eighty nine

33:24can I keep

33:24the chain

33:25sure you

33:27know I'll

33:27let them keep

33:27the change

33:28well Michael

33:30my son Michael

33:31he would only

33:32get one pair

33:34and my youngest

33:35one said

33:36he said dang

33:39man he said

33:40yeah I

33:41shouldn't say

33:42it like that

33:42because I know

33:43he gonna listen

33:43to his he

33:45would tell

33:46Michael he

33:47said man what

33:48are you thinking

33:48about I'm gonna

33:49put it nice

33:49what do you

33:50think about I'm

33:51getting two pairs

33:52of shoes you

33:53got one pair

33:54guess who's

33:55shoes gonna

33:55last the longest

34:00Michael was like

34:01well man I

34:01don't care and

34:02Michael would get

34:03one pair and

34:04you know my

34:05youngest one he

34:06was just like

34:07well I'm getting

34:07two pairs no

34:08matter what

34:09okay so he

34:10get his and

34:11whatever is left

34:12out of that

34:14for this shoe

34:15money I told

34:16him yeah it

34:17was there they

34:17spend it the

34:18way they want

34:19and you know

34:20I did that

34:21several times

34:22for him we

34:23go to the

34:24mall I

34:24said here

34:25because you

34:26know each

34:27one of them

34:27I got like

34:28maybe three

34:29hundred dollars

34:29back which is

34:30not a lot

34:31now but back

34:32then it was

34:33quite a bit

34:33they go they

34:35go to the

34:35mall hey

34:37get them

34:37some clothes

34:40I don't

34:40know I

34:41kind of like

34:41the hustle

34:42of the one

34:42pair

34:44now

34:44I like

34:45the hustle

34:46yeah

34:46yeah but see

34:49the two for

34:5189 they

34:52were named

34:53brand shoes

34:54too but

34:56you know he's

34:57looking at

34:58well I can get

34:59me two pairs

35:00and I'll have

35:01one pair to

35:02play in and

35:03one pair for

35:04school and that's

35:05how he was

35:06thinking and

35:08Michael was like

35:09oh man I'm

35:10wearing these I

35:11don't care play

35:11or you know

35:12the school

35:13you know and

35:15you know I

35:16didn't argue

35:17with them I

35:18just gave them

35:18that we go to

35:19the mall

35:21they get what

35:21they want and

35:22then they said

35:23well dad what

35:24can we do with

35:25the rest of

35:26it say man

35:27that that'd be

35:27like your

35:28allowance you

35:29know when you

35:30do something

35:30around the

35:31house hey

35:33you'll get a

35:33portion of it

35:34so you know

35:35I did that

35:37and I

35:39would go

35:40through it

35:40and I know

35:41how the guy

35:42feel you

35:42you got the

35:43money and

35:44then next

35:44thing you know

35:45within a week's

35:46time you know

35:48you don't have

35:49it but I

35:50always pay my

35:51bills too my

35:52back bills

35:52always caught

35:53up with

35:54everything so I

35:55started off with

35:56a clean slate

35:59yeah yeah

36:00and that's

36:01not like

36:01something that

36:02he's not

36:03doing you

36:04know you

36:05know he's

36:06not taking

36:07care of

36:08what he's

36:09supposed to

36:09take care

36:10of he's

36:11just going

36:11out buying

36:13clothes taking

36:15care of other

36:16people rent

36:18and I put

36:20like this

36:20nine times

36:22out of ten

36:22he won't get

36:23that money

36:24back

36:26you know

36:26and if he

36:27do get it

36:28back he

36:29do get it

36:29back it

36:30gonna be

36:31in like

36:31hey man

36:32all I got

36:32is like

36:33$40 man

36:34of that

36:34money I

36:35owe you

36:36you know

36:38and then

36:38it depends

36:39on how

36:39much the

36:39guy rent

36:40was

36:43here's

36:43the thing

36:45now is

36:45the opportunity

36:47to take

36:48your refund

36:50and use

36:50it as a

36:51tool

36:52to better

36:53your financial

36:53situation

36:54that's the

36:55only advice

36:56I could give

36:56to and

36:57again I'm

36:57not here

36:58to give

36:58any

36:58advice

36:59but I'm

37:00just saying

37:00what I

37:02would do

37:03if I

37:04was in

37:04a situation

37:05I have

37:05done

37:05this

37:06this is

37:06exactly

37:06what I've

37:07done

37:07I've

37:08pretended

37:08that I

37:09did not

37:09have a

37:10refund

37:10whatever that

37:11amount was

37:12and I

37:12applied it

37:12to credit

37:13card debt

37:14when you're

37:14sitting on

37:16credit card

37:16debt of

37:1713 and

37:1810,000

37:19things like

37:20that you'll

37:21want to do

37:22whatever you

37:22can do to

37:22make sure

37:23that that

37:23goes away

37:24so for

37:24several

37:25years

37:25my

37:26income

37:27tax money

37:29went

37:29directly

37:30towards

37:30consumer

37:31debt

37:34now

37:35that's

37:36that's

37:36the best

37:36scenario

37:37that we

37:38could do

37:38now

37:38during

37:39tax

37:39season

37:39here

37:42yeah

37:43well

37:43you know

37:44like I

37:44said

37:44my dad

37:45that was

37:46one thing

37:47he

37:47he kind

37:48of like

37:48taught me

37:49about

37:49income

37:50taxes

37:50because

37:51the first

37:51time I

37:52ever got

37:52some

37:52income

37:53tax

37:53man

37:53I was

37:54I mean

37:54I was

37:55young

37:55and I

37:56went

37:56and I

37:57spent

37:57he didn't

37:57say

37:57nothing

37:58he told

37:58my mom

37:59he said

37:59don't say

37:59nothing to

38:00him

38:00hey

38:01I went

38:01out there

38:02and then

38:02my dad

38:03said

38:04so

38:04what you

38:05spend

38:05your money

38:06on

38:08and

38:08I

38:09would

38:09say

38:11oh

38:12I can't

38:13even

38:13remember

38:13and then

38:14my dad

38:15you know

38:16and he

38:16was like

38:17so

38:18you know

38:19you need

38:19this

38:19you know

38:20you need

38:20that

38:20but you

38:21went and

38:21just spent

38:22just spent

38:22your money

38:23out there

38:24in them

38:24streets

38:24what

38:25let me

38:26tell you

38:27you know

38:28but one thing

38:29I would do

38:30is I said

38:30hold up

38:30man

38:31hold up

38:31I go

38:32downstairs

38:32to the

38:33basement

38:33because that's

38:34where my

38:35room was

38:35and I grabbed

38:37me a stack

38:37of albums

38:38and I said

38:39hey

38:39I can show

38:40you this

38:42and he'll

38:43look at me

38:43and he said

38:45yeah but still

38:47what else

38:47did you spend

38:48your money

38:49for

38:51and that

38:52part

38:52right there

38:53that's

38:53when it

38:54when

38:54when I

38:55really

38:55sit back

38:56and I

38:56thought

38:56about

38:57and I

38:57said

38:57from here

38:58on out

38:58I'm gonna

38:59take care

39:00of like

39:00you said

39:00take care

39:01of my

39:01my other

39:02finances

39:03my bills

39:04to catch

39:04up on

39:05if I'm

39:05behind

39:06on something

39:07I'm gonna

39:08take care

39:09of all

39:09that

39:10you know

39:11growing up

39:12it's interesting

39:13you said

39:14that but

39:15like

39:15my mother

39:17would always

39:17say

39:18you know

39:19it's something

39:19if you spend

39:20your money

39:20but it's also

39:22something

39:22if you spend

39:23your money

39:24and you don't

39:24want to show

39:25for

39:25back to that

39:26same

39:27conversation

39:28you were

39:28saying

39:30so I

39:31took that

39:32same concept

39:33because I

39:34did go out

39:35there just

39:35like you did

39:36and just

39:36spent money

39:36like crazy

39:37and what

39:38like what

39:39you don't

39:39have nothing

39:39to show

39:40for

39:40I was

39:42like okay

39:43so I

39:44know what

39:44this game

39:44is then

39:46which I

39:46had it

39:47all wrong

39:47then

39:47so I

39:48said I'm

39:48gonna show

39:48you what

39:49something

39:49to show

39:49for

39:50is

39:50and then

39:51this

39:51started

39:51with the

39:51clothes

39:52and the

39:52jewelry

39:53and the

39:53shoes

39:54and the

39:54this

39:54and that

39:55and it

39:56turned into

39:56that and I

39:57did have

39:57something to

39:58show for

39:58but all

39:59of those

40:00were just

40:00liabilities

40:01it wasn't

40:01assets

40:02my dad

40:03would call

40:04it

40:04foolishness

40:07because I

40:07know I

40:08wouldn't

40:08bought me

40:08a stereo

40:09one time

40:09I mean

40:10because I

40:11was I

40:11was in

40:12college

40:12and I

40:12got me

40:13income

40:14tax

40:14check

40:14and I

40:15went

40:15got me

40:16a stereo

40:16and my

40:18day so

40:18then

40:19you know

40:20I came

40:21home

40:21and my

40:22mom said

40:23where's the

40:23stereo

40:24your dad

40:25gave you

40:25I said

40:26oh it's at

40:26the pawn

40:26shop

40:30where's the

40:31TV at

40:32because this

40:32is what I

40:33had in

40:33college

40:33I said

40:34oh that's

40:34at the

40:35pawn

40:35shop

40:35too

40:36and they

40:37looked at

40:38me

40:38and so

40:38then I

40:39said hold

40:39up

40:40let me

40:40unload

40:41I'm gonna

40:41show you

40:42what I

40:42got

40:42and I

40:42showed

40:43them

40:43I said

40:43I got

40:43me

40:44this

40:44and my

40:46dad said

40:46whoa

40:47whoa

40:47hold

40:47up

40:48don't

40:48have

40:49that

40:49turn

40:50we got

40:51some great

40:52some big

40:52speakers

40:54I said

40:55hey man

40:56this is

40:56what I

40:56got

40:57and

40:58they

40:59didn't

40:59say

40:59nothing

40:59to me

41:00my dad

41:00said

41:00long

41:01you

41:01can

41:02show

41:03us

41:03what

41:03you

41:05or

41:05as long

41:06as you

41:06can see

41:07that you

41:08spent your

41:09money

41:09on something

41:10that you

41:10wanted

41:11that's

41:12gonna

41:12stay

41:12with you

41:13okay

41:14I'm

41:14good

41:14with

41:14that

41:15yeah

41:16that makes

41:16sense

41:17that makes

41:17sense

41:18yeah

41:19it's

41:20interesting

41:20our

41:21parents

41:23they

41:25got us

41:26to where

41:26we are

41:26here today

41:27and that's

41:28good because

41:28they only

41:29knew what

41:29they knew

41:30how to

41:30do

41:31yeah

41:32but

41:33the concept

41:34made

41:34sense

41:35don't be

41:36out there

41:36recklessly

41:36spending

41:37your money

41:37don't be

41:37doing this

41:38don't be

41:38doing that

41:40right

41:41and but

41:42you know

41:42what

41:42like I

41:43said

41:43people

41:44always

41:44know

41:46who

41:46you know

41:47because

41:47you know

41:48for years

41:48I did

41:49I stayed

41:49in apartments

41:51and you

41:51always knew

41:52when they

41:52got the

41:53income

41:53tax

41:54check

41:55because

41:55you know

41:55they be

41:56all loud

41:57and I'm

41:57talking about

41:58they be

41:58loud

41:59loud

41:59and they

42:00be

42:00you know

42:01all of a sudden

42:01you see them

42:02with the

42:02barbecue pit

42:03lit

42:03man

42:04I mean

42:04I got me

42:05some steaks

42:06and all that

42:06and I'm

42:06like that's

42:07crazy

42:09that's

42:09crazy

42:10I don't

42:10usually know

42:11you see

42:11them

42:11hey

42:12man

42:12look at

42:13my

42:13threads

42:13that I

42:14got

42:15you know

42:16and I'm

42:17like

42:17wow

42:18man

42:18I said

42:19dude

42:19you need

42:20a car

42:20and you

42:20talking

42:21about

42:21you

42:21gone

42:22and

42:22bought

42:22all

42:23this

42:23oh man

42:24I ain't

42:24worried

42:24about

42:24no

42:24car

42:25right

42:25now

42:25I'll

42:25worry

42:26about

42:26that

42:26tomorrow

42:28okay

42:31it's

42:32you

42:32you know

42:33but I

42:33I knew

42:34people

42:35that was

42:35like that

42:36man

42:36that

42:36they

42:37didn't

42:38care

42:38nothing

42:38about

42:40you know

42:41today

42:41you know

42:42today

42:43and

42:44then

42:44I see

42:45them

42:45two or

42:46three

42:46days

42:47later

42:47damn

42:48man

42:49you know

42:49you looking

42:50all sad

42:50you know

42:51man

42:52I'm

42:52broke

42:54sound like

42:54a personal

42:55problem

42:55there

42:59well

43:00just know

43:01Mr.

43:02Marcus

43:02that next

43:03year

43:04maybe

43:05this

43:05year

43:062026

43:07is not

43:07the year

43:082026

43:08might be

43:09the year

43:09of

43:10understanding

43:10and knowing

43:11what we

43:12won't do

43:12next year

43:142027

43:15let that

43:15be the

43:15year

43:16anybody

43:16out there

43:17yeah

43:17it's

43:18April

43:1915th

43:20this tax

43:20day

43:21I get

43:21it

43:21most

43:22people

43:23they got

43:23their income

43:23taxes

43:24back in

43:24February

43:25and the

43:25money

43:25was

43:26gone

43:26and it's

43:27still not

43:27available

43:27today

43:28it was

43:29going as

43:29quick as

43:29it came

43:30in

43:30use this

43:31year as

43:31a lesson

43:33so that

43:33next year

43:34when we

43:34roll around

43:35and we

43:35can think

43:37just know

43:38that we

43:38could do

43:38something

43:39different

43:40and here's

43:41the biggest

43:41thing when it

43:42comes to

43:43income taxes

43:43and money

43:44if you

43:45were expecting

43:46a big

43:46refund

43:47I know

43:48people aren't

43:48gonna like

43:49this

43:49if you're

43:49expecting a

43:50big refund

43:51every year

43:51you've already

43:52lost the

43:53game

43:54I'm gonna

43:55repeat that

43:55again

43:56if you

43:56are sitting

43:56around

43:57expecting a

43:58big income

43:58tax check

43:59and saying

44:00oh I can't

44:01wait till

44:01income tax

44:02I can't

44:02wait till

44:02I get

44:03my big

44:03check

44:03you are

44:04already

44:05lost the

44:06game

44:06it is a

44:07trick

44:07it's a

44:08setup

44:09it's for

44:10you to

44:10stay stuck

44:11people who

44:12get large

44:12checks for

44:13the most

44:13part

44:14they are

44:15already

44:15living

44:16below

44:18the average

44:19income

44:19level

44:21and that's

44:22just it

44:23now if

44:24you have

44:24to owe

44:25them

44:25something

44:26don't look

44:27at that as

44:27a negative

44:28thing

44:28if you owe

44:29them something

44:30then that

44:31means that

44:31you are

44:32making more

44:33than the

44:33average

44:33individual

44:35now the

44:36game becomes

44:36how do you

44:38keep that

44:38money

44:39what can

44:40you do

44:40to keep

44:41that money

44:41legally

44:43but that's

44:44besides the

44:44point

44:45I'm gonna

44:45get off

44:46of that

44:46topic

44:46so

44:48all right

44:49so

44:49here we

44:51are

44:51it's a

44:52wrap

44:53we're

44:54up against

44:55the clock

44:55already

44:56I can't

44:56believe it's

44:57been

44:58almost an

44:59hour already

44:59so

45:01let everybody

45:02know what

45:02you got

45:03going on

45:05well

45:05right now

45:06I have a

45:07reading

45:08Saturday

45:10um

45:11APS

45:12is on

45:12Zoom

45:14um

45:15and I

45:16have a

45:17reading

45:17I think

45:18it's

45:18gonna be

45:18Sunday

45:19and it's

45:19also

45:20gonna be

45:20on

45:21Zoom

45:22um

45:22like I

45:23said

45:23I'm

45:24working

45:24on

45:24I'm

45:25just

45:26waiting

45:26for my

45:26cover

45:27for my

45:27next book

45:29and it

45:30should be

45:30hopefully

45:31I can

45:32say next

45:33week

45:33it's

45:34it's

45:34out

45:35you know

45:36I mean

45:37KDP

45:38they have

45:39the manuscript

45:40and they're

45:41just waiting

45:41for the

45:42update

45:43of the

45:44paperback

45:45but

45:46the

45:47Kindle

45:48one

45:48is

45:49already

45:50up

45:50I mean

45:51it took

45:51like

45:51I think

45:53two hours

45:54and they

45:55accepted it

45:56and they

45:56hey

45:56they said

45:57hey

45:57it's ready

45:58and up

45:59to go

46:00which

46:01it surprised

46:02me

46:02because

46:02normally

46:03it's the

46:03Kindle version

46:04I have

46:05the problem

46:05with

46:06this year

46:07it's the

46:08paperback

46:09you can

46:10find me

46:10on

46:12Amazon

46:13you can find

46:14my books

46:14at Amazon.com

46:16slash

46:17bird

46:18author

46:18slash

46:19birdman313

46:20you can find

46:22me also

46:22on YouTube

46:23which I

46:23been posting

46:25some new

46:25videos

46:26that

46:27that I've

46:28been doing

46:29from

46:29this park

46:31I went to

46:31and also

46:32there's some

46:33poems

46:34that's

46:34from the

46:35beach

46:35that

46:37we went

46:38to

46:38like I

46:39said

46:39when we

46:40went to

46:41Galveston

46:41and that's

46:42youtube.com

46:44slash

46:45author

46:46poet

46:46birdman

46:4731355

46:49you can

46:50find me

46:50on Instagram

46:51at

46:53birdman31355

46:54I also

46:56had

46:57a

46:58video

46:59that just

47:01got accepted

47:02three weeks

47:03two weeks

47:04ago

47:04on Spotify

47:06on the

47:07platform

47:07of

47:07coffee

47:08wine

47:08and words

47:09it's

47:10titled

47:11open range

47:13video

47:13of the

47:14desert

47:14when we

47:15was out

47:15there

47:16and I

47:16shot

47:17you know

47:18the desert

47:19was red

47:19rock

47:20canyon

47:22I've been

47:23there

47:23before

47:23yeah

47:25well I

47:26I just

47:27did a new

47:28one and

47:28they accepted

47:29that

47:31and I'm

47:32thinking about

47:33getting on a

47:34new platform

47:35I gotta see

47:36how it works

47:37first I was

47:38talking to

47:38somebody else

47:39about it

47:40um

47:41sub stack

47:42that's what it is

47:43sub stack

47:44I'm on there

47:45and I'm trying

47:47to learn it

47:47before I tell

47:48anybody how to

47:49get hold to

47:50me on there

47:52and I do

47:54know there's

47:55a couple of my

47:56friends up in

47:57Austin

47:57they're on there

47:59and I was

48:00actually

48:01they had this

48:02reading last

48:03Sunday

48:03in the

48:04one of the

48:05lady that's

48:06on there

48:07I was telling

48:08her and she

48:09was like

48:09yeah she

48:09said it's

48:10she said

48:11it's a lot

48:12of poetry

48:13on there

48:13I said

48:13yeah I know

48:14I said

48:15I'm trying

48:15to get

48:16minds on

48:16there

48:17so

48:18that's

48:18something

48:18that you

48:19know

48:19that's

48:19going on

48:20too

48:20so

48:22once I

48:23get that

48:23up and

48:24get

48:24knowing it

48:25then I'll

48:26let you

48:26know how

48:27you can

48:27even

48:28go there

48:29uh

48:30there

48:30check it

48:31out man

48:31you might

48:32like it

48:32sub stack

48:33yeah I'm

48:34gonna write

48:34that down

48:35I'm gonna

48:35check that

48:36out

48:37yeah so

48:38and next

48:40week um

48:41once your

48:42book is

48:43officially

48:45released um

48:46maybe you

48:47could read us

48:47something from

48:48it next

48:48week

48:49yeah yeah

48:50okay no

48:50problem

48:51yeah so

48:52we'll put

48:53that on deck

48:53for tomorrow

48:54have me a

48:54nice bottle

48:56of wine to

48:57celebrate the

48:58release of

48:59your new

48:59book yeah

49:01we'll do it

49:02up next week

49:02we'll do it

49:03up

49:04yeah okay

49:05okay okay

49:07all right

49:08um what

49:10last words

49:11do you have

49:11for us

49:12before we

49:12exit out

49:13of here

49:14you know

49:15I know

49:17I don't

49:18I don't

49:18like I

49:19always tell

49:19people you

49:20know you

49:21don't have

49:21to listen

49:22to what

49:22I say

49:23just you

49:23know because

49:24you're gonna

49:24do what

49:25you want

49:25to do

49:25like I

49:26always say

49:26my months

49:27I know

49:27my sons

49:28don't listen

49:28to me

49:29I say I

49:30can tell

49:30them something

49:30they're gonna

49:31do what

49:31they want

49:31to do

49:32but

49:33any

49:34advice

49:35that I

49:35say on

49:36here

49:36I'm talking

49:37about myself

49:37I'm not

49:38talking about

49:38nobody else

49:39I'm talking

49:40about solely

49:40of myself

49:41for the

49:41things I've

49:42been through

49:43and how

49:43I've done

49:44it

49:45so

49:46you know

49:47just keep

49:47your head

49:48up

49:48don't give

49:49up

49:50keep trying

49:51because like

49:51I said

49:52man you

49:52know I'm

49:53on my

49:5415th book

49:55and there

49:56was there

49:57was a time

49:57I didn't

49:59even think

49:59I would

50:00ever get

50:00published

50:01anywhere

50:01it's just

50:02I just

50:03kept on

50:04kept on

50:05and then

50:06I start

50:06reaching out

50:07to places

50:08just you

50:10know posting

50:11like if

50:11you're a

50:11musician

50:13let me tell

50:14you it's

50:14it's hard

50:15to break

50:15break in

50:16but find

50:17you a

50:17club that

50:18you can

50:18play at

50:19every you

50:20know it

50:20become

50:21what they

50:22call the

50:22house band

50:23and

50:24you can

50:25you can

50:25perform

50:26there

50:26every week

50:27you never

50:28know who

50:28gonna walk

50:29in there

50:29see you

50:30and give

50:31you some

50:32good information

50:33if you're

50:33a writer

50:34just keep

50:35writing

50:36you know

50:36man

50:36because

50:37I always

50:38tell people

50:38I write

50:39for myself

50:40I don't

50:40write for

50:41others

50:41if you

50:42don't like

50:42my poetry

50:43hey that's

50:44fine

50:44I'm not

50:45you know

50:45I'm not

50:46gonna cry

50:46about it

50:47I'm not

50:47gonna whine

50:48about it

50:48I just

50:48keep on

50:49writing

50:49so

50:50that's

50:51all I

50:51got to

50:51say

50:52good advice

50:53good advice

50:54I like

50:55that

50:56all right

50:57well I

50:57appreciate

50:58you

50:58thank you

50:58so much

50:59for coming

50:59through

50:59and

51:00we will

51:01chat

51:01with you

51:02next week

51:02enjoy the

51:03rest of

51:03your week

51:03and I'll

51:05talk to

51:05you soon

51:05okay you

51:07do the

51:07same

51:07all right

51:08take care

51:09y'all

51:09have a

51:09good night

51:09yeah

51:21there you

51:22have it

51:22ladies and

51:22gentlemen

51:23that was

51:23author

51:24poet

51:25birdman

51:25313

51:27always great

51:28conversation

51:29love

51:30his insight

51:31so thank

51:32you all so

51:32much for

51:33joining in

51:33if there's

51:34anything that

51:35sparked your

51:36interest

51:37maybe the

51:38light bulb

51:38went off

51:39maybe you

51:39had an

51:39aha moment

51:40like hmm

51:42I like what

51:42that conversation

51:44was about

51:44I'd like to

51:45learn more

51:46head on over

51:46to Larry

51:47and Gaines

51:47dot com

51:48sign up for

51:49that free

51:5015 minute

51:50consultation

51:51and apply

51:53to see if

51:53you qualify

51:54for the

51:54coaching

51:54sessions

51:55I offer

51:56private

51:57one-on-one

51:57coaching

51:58sessions

51:59to help

52:00you on

52:01your journey

52:02for debt

52:02free living

52:03now before

52:04we do get

52:05out of

52:05here I

52:05want to

52:05go ahead

52:06and hit

52:06you with

52:06this burning

52:06question

52:09burning

52:10questions for

52:11reflections

52:11when money

52:12shows up

52:12unexpectedly

52:13do you

52:14assign it

52:14on to

52:15a purpose

52:15or do

52:17you let

52:17your emotions

52:17decide

52:19when money

52:19shows up

52:20unexpectedly

52:21do you

52:22assign it

52:22a purpose

52:24or do you

52:25let your

52:25emotions

52:26decide

52:26are you

52:27determining

52:29when and

52:30where

52:31every

52:31dollar

52:32goes

52:33does it

52:33have a

52:34place

52:34does it

52:34have a

52:35destination

52:36or do

52:36you just

52:37go and

52:38fly by

52:39the seat

52:39of your

52:39pants

52:40as most

52:40people

52:41say

52:44go ahead

52:44and reflect

52:45on that

52:45thank you

52:46all so

52:46much

52:47chime

52:47in tune

52:48in let

52:48me know

52:49what you

52:49think

52:49about

52:49tonight's

52:50episode

52:51let me

52:51know

52:51what you

52:51think

52:52about

52:52the

52:52burning

52:53question

52:55609-210-98

52:56that's the

52:56official

52:574-in-1

52:57podcast

52:58reading

52:58between

52:58the

52:58wines

52:59hotline

52:59go ahead

52:59and hit

53:01me up

53:01and let

53:01me know

53:01you can

53:02also

53:02dm me

53:02on any

53:03of my

53:03social

53:03media

53:04platforms

53:05you can

53:05sign up

53:07for the

53:07black diamond

53:08community

53:08if you are

53:09on instagram

53:10just dm me

53:11and let me

53:11know

53:11if you're

53:12on facebook

53:13search for

53:14it or you

53:14can also

53:15send me a

53:16dm as well

53:17and let me

53:17know you

53:17want to be

53:18added to

53:18the black

53:19diamond

53:20community

53:21you can

53:22be added

53:23on x

53:23you can

53:23be added

53:24on tiktok

53:25get exclusive

53:26updates

53:26know when

53:27I'm going

53:27to go live

53:30get exclusive

53:31invitations

53:32to the

53:33financial

53:34strategy

53:34sessions

53:36exclusive

53:37zoom links

53:38things of

53:40that nature

53:40be the first

53:41person to

53:42know sign

53:43up for the

53:43black diamond

53:43community

53:44if you are

53:45interested in

53:46learning more

53:47about debt

53:48free living

53:48and tightening

53:49up things

53:51on your

53:51financial

53:52journey

53:52on that

53:53note I'm

53:54going to

53:54say thank

53:54you all

53:55so much

53:55have a

53:57good night

53:58and I

53:58will see

53:59you when

53:59I see

54:00you take

54:00care

54:01and that's

54:02a wrap

54:02on today's

54:03episode of

54:04the 411

54:04podcast and

54:06reading between

54:06the wines

54:07where everyday

54:08conversations lead

54:09to financial

54:10awareness

54:11here growth is

54:12always on the

54:12menu and

54:13every poor

54:14reveals a

54:15little more

54:15truth the

54:16conversation

54:17doesn't end

54:18here do you

54:19have something

54:19to say do

54:21you want to

54:21weigh in on

54:22tonight's burning

54:22questions for

54:23reflections text

54:25us anytime at

54:26the official

54:27411 podcast

54:28and reading

54:29between the

54:29wines hotline

54:30at 609-200-1098

54:35stay plugged in

54:36across all social

54:38media platforms

54:38at Laren Gaines

54:39we are live and

54:41in the conversation

54:42on facebook

54:43instagram x

54:44tiktok

54:45youtube kick

54:46twitch and

54:47daily motion

54:47do you prefer

54:49to listen on

54:49the go

54:50the audio

54:51version is

54:52streaming on

54:52most major

54:53podcast outlets

54:55until we meet

54:56again take

54:57what you've

54:57learned sip

54:58slow speak

54:59truth and

55:00remember

55:00transformation

55:01starts within

55:02powered by the

55:04black diamond

55:04consultations

55:05network

55:09and

55:16you

55:18you

55:20you

The Refund Isn't a Reward | DISC 6: Vitality | 411 Podcast🍾Reading Between The Wines (Episode 25)

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